Zurich Insurance Group Ltd

Zurich Insurance Group Ltd

675.80
EUR
+2.60
(+0.39%)
38.27BMarket Cap
Feb 11Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
488.78
491.99
406.54
451.05
426.96
318.83
485.34
397.32
467.69
301.55
537.67
599.11
621.88
- -
Basic EPS, GAAP
27.33
26.68
12.37
21.51
20.03
25.1
28.01
25.85
34.99
26.7
29.95
40.48
47.68
- -
Free Cash Flow per Basic Share
7.88
30.26
30.51
5.08
31.18
21.86
27.91
34.72
17.43
30.36
47.69
50.36
38.03
- -
Dividend per Share
19.6
19.98
19.26
18.54
19.27
20.36
20.51
21.79
23.77
25.38
28.34
31.1
35.64
0.84
Book Value per Share
220.24
234.15
209.02
205.22
220.14
205
236.42
257.77
196.38
174.08
172.65
179.02
200.42
204.54
Tangible Book Value per Share
160.07
177.43
161.56
154.25
165.95
149.29
175.85
194.85
123.2
100.17
92.58
98.67
112.96
148.4
Basic Weighted Avg Shares
147
148
149
149
150
148
148
148
149
148
145
144
143
150
Sales/Revenue/Turnover
72,048
72,830
60,558
67,335
64,044
47,203
71,847
58,924
69,539
44,763
78,098
86,046
88,670
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,198
1,012
1,200
781
936
898
967
911
849
756
852
911
858
- -
Net Income, GAAP
4,028
3,949
1,842
3,211
3,004
3,716
4,147
3,834
5,202
3,964
4,351
5,814
6,798
- -
Effective Tax Rate (%)
28.54
28.31
38.74
34.64
35.43
22.19
28.13
24.52
23.01
20.02
26.96
26.71
28.29
- -
Profit Margin (%)
5.59
5.42
3.04
4.77
4.69
7.87
5.77
6.51
7.48
8.86
5.57
6.76
7.67
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
12,386
10,876
10,221
10,862
10,365
11,097
13,171
15,480
15,109
15,100
13,984
14,064
15,469
11,203
Total Equity
34,734
36,830
32,903
32,473
34,893
31,802
36,549
39,846
30,409
26,930
26,279
26,938
30,166
32,740
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.66
8.43
4.11
7.32
6.56
8.33
8.83
7.31
10.51
9.02
10.23
13.83
15.42
- -
Return on Common Equity (%)
12.02
11.75
5.59
10.39
9.43
11.75
12.72
10.46
15.44
14.47
17.22
23.1
25.18
- -

Capital Structure

USD

•

in mil. unless spec.
Sep'16
Dec'16
Jun'17
ST Debt
- -
891
- -
LT Borrowings
11,692
10,862
11,203
LT Finance Leases
- -
541
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
149
149
150
Market Capitalization
38,411
41,072
43,759

Working Capital

USD

•

in mil. unless spec.
Sep'16
Dec'16
Jun'17
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,010
29,098
6,598
Accounts Receivable, Net
19,374
9,431
18,574
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
891
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.18%
-4.61%
11.98%
Free Cash Flow
51.25%
11.47%
-25.02%
Net Income, GAAP
16.78%
14.44%
16.92%
Sales/Revenue/Turnover
8.43%
14.02%
3.05%
Total Cash Common Dividend
5.99%
9.5%
13.77%

Semi-annual Revenue

USD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
86,046
2025
- -
- -
88,670
2026
- -
- -
- -

Semi-annual Earnings Per Share

USD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
40.48
2025
- -
- -
47.68
2026
- -
- -
- -

Semi-annual Dividends Per Share

USD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
31.1
2025
- -
- -
35.64
2026
- -
- -
- -

Company Description

CEO
Mario Greco
Full Time Employees
65,000
Sector
Finance
Industry
Multi-line insurance
Address
Mythenquai 2 Zurich ZH Switzerland 8002
IPO Date
Oct 17, 2000
Website
zurich.com
Business
Zurich Insurance Group AG is a global insurance company headquartered in Zurich, Switzerland, founded in 1872, offering a comprehensive range of insurance products and related services through its core segments: General Insurance, Global Life and Farmers. The General Insurance segment provides motor, home, commercial, liability, and specialty insurance products to individuals, small and medium-sized enterprises, and large multinational corporations. The Global Life segment offers life insurance, protection, unit-linked investment products, savings, and pension solutions across global distribution channels, with a focus on capital-light protection business growth. The Farmers segment delivers non-claims administrative and management services primarily in the United States through Farmers Group, serving policyholders under Farmers Insurance Exchange and related entities. Recent developments show Zurich expanding cyber insurance capabilities with the acquisition of Toronto-based BOXX Insurance to enhance cyber risk protection for retail and SME clients, alongside launching the Zurich AI Lab in partnership with the University of St. Gallen to accelerate AI-driven innovation and digital transformation across the insurance value chain. The company has reported record top-line growth in property and casualty insurance with gross written premiums reaching $38.9 billion in 2025, driven by strong retail growth and commercial insurance momentum. Zurich also emphasizes operational improvements through significant leadership appointments in technology and digital employee experience, aiming to enhance underwriting discipline, claims management, and customer experience. Zurich operates across multiple geographies worldwide, including key markets in Europe, North America, Asia, and Latin America, delivering insurance and risk management solutions to a diverse customer base ranging from individuals to large corporations and multinational companies. The company continues to focus on targeted growth, profitability improvement, and innovation to maintain its position as a leading insurer globally. Recent organizational enhancements in its Canadian operations underline Zurich’s strategic alignment with customer segments to support growth initiatives. Overall, Zurich Insurance Group AG stands as a diversified insurer with strong financial performance, product innovation, and a commitment to digital and AI-enabled transformation in the insurance industry.

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